Are you insured? An insurance agent asked me the other day. I proudly told him that I’m insured years ago having bought a term life insurance policy from an insurance agent friend. It is often the most inexpensive way to purchase a substantial death benefit on a coverage amount based on per premium dollar basis.

I do not want to not burden my family and friends even if I’m death. This is one of the smartest actions I have done when I was 20 years old.